Can I Get a Medicare Supplement Plan Before Age 65? – Frequently Asked Questions

As you might know, Medicare Supplement plans can help pay some of your out-of-pocket medical costs that aren’t covered by Medicare Part A and Part B. But can you get a Medicare Supplement plan before age 65?

Qualifying for a Medicare Supplement plan

You need to be enrolled in both Medicare Part A and Part B to be eligible for Medicare Supplement insurance. Most Medicare beneficiaries are age 65 or older, but some are younger than 65. So, you might think that if you qualify for Medicare Part A and Part B, you’d automatically be eligible for a Medicare Supplement plan, right?

Not so fast! Federal law doesn’t require insurance companies to sell Medicare Supplement (Medigap) plans to those under 65. In some states, you might be able to buy a Medicare Supplement plan when you’re younger than 65. But in many states, even if you’re enrolled in Medicare Part A and Part B before age 65, you cannot buy a Medicare Supplement plan until you’re 65.

Even if you are age 65 or older, you might not be able to buy a Medicare Supplement plan. If you don’t apply during your Medicare Supplement Open Enrollment Period (the 6-month period that starts as soon as you’re age 65 or older and enrolled in Medicare Part B), you might not have “guaranteed-issue rights” to buy this insurance. Read more about guaranteed issue rights.

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